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CONDENSED CONSOLIDATED STATEMENTS OF INCOME (unaudited) - USD ($)
$ in Thousands
 3 Months Ended
Mar. 31, 2024
Mar. 31, 2023
INTEREST AND DIVIDEND INCOME:    
Interest and fees on loans receivable $ 71,513 $ 62,327
Processing fees on PPP loans 0 1
Securities:    
Taxable 6,136 4,030
Tax-exempt 167 197
Dividends 89 85
Total interest and dividend income 77,905 66,640
INTEREST EXPENSE:    
Deposits 31,548 16,699
Borrowed funds and finance lease liabilities 3 1,263
Subordinated notes and debentures (includes $0 and $(45) accumulated other comprehensive income reclassification for change in fair value of interest rate swap agreements, respectively) 1,132 1,039
Total interest expense 32,683 19,001
NET INTEREST INCOME 45,222 47,639
PROVISION FOR CREDIT LOSS EXPENSE 1,320 1,290
NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSS EXPENSE 43,902 46,349
NON-INTEREST INCOME:    
Service charges on deposit accounts 1,694 1,795
Other service charges and fees 695 631
Wealth and asset management fees 1,802 1,817
Net realized gains on available-for-sale securities (includes $0 and $22 accumulated other comprehensive income reclassifications for net realized gains on available-for-sale securities, respectively) 0 22
Net realized and unrealized gains (losses) on equity securities 191 (286)
Mortgage banking 196 168
Bank owned life insurance 767 764
Card processing and interchange income 2,016 2,059
Other non-interest income 1,594 1,072
Total non-interest income 8,955 8,042
NON-INTEREST EXPENSES:    
Compensation and benefits 18,787 17,045
Net occupancy expense 3,640 3,566
Technology expense 5,072 4,258
State and local taxes 1,143 1,050
Legal, professional, and examination fees 1,172 845
Advertising 685 544
FDIC insurance premiums 990 873
Dues and subscriptions 542 506
Card processing and interchange expenses 1,179 1,490
Other non-interest expenses 4,214 3,813
Total non-interest expenses 37,424 33,990
INCOME BEFORE INCOME TAXES 15,433 20,401
INCOME TAX EXPENSE (includes $0 and $14 income tax expense from reclassification items, respectively) 2,833 3,912
NET INCOME 12,600 16,489
PREFERRED STOCK DIVIDENDS 1,075 1,075
NET INCOME AVAILABLE TO COMMON SHAREHOLDERS $ 11,525 $ 15,414
AVERAGE COMMON SHARES OUTSTANDING, Basic (in share) 20,823,766 21,042,579
AVERAGE COMMON SHARES OUTSTANDING, Diluted (in shares) 20,887,088 21,077,531
PER COMMON SHARE DATA:    
Basic Earnings Per Common Share (in dollars per share) $ 0.55 $ 0.73
Diluted Earnings Per Common Share (in dollars per share) 0.55 0.73
Cash Dividends Declared (in dollars per share) $ 0.175 $ 0.175